We help you navigate this market with ease
The Ruppel Team is an experienced group of home loan professionals that focus on a high level of Proactive Customer Service, Expert Mortgage Knowledge, and Consistent Loan Efficiency.
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Meet Char Ruppel
Founder & Expert Mortgage Advisor
NMLS# 99445, DRE# 01776002| P: 916.846.9409
Founder & Expert Mortgage Advisor
NMLS# 99445, DRE# 01776002 | P: 916.846.9409
With decades of industry experience, I have a deep understanding of today's loan products. As your expert originator, I support you in achieving your goals aligned with your long-term vision, no matter the market conditions. There are many ways for you to compete in the market, and I look forward to supporting you in finding the best path for achieving your homeownership goals.
first time buyers
Supporting our first time buyer clients in competing in today's market with confidence is what we do best.
Refinance
A refinance can benefit you in a wide variety of ways. Let's make your home start working for you!
Reverse Mortgage
Access the value in your investment and create strategically utilize your equity to work for you.
VA Loans
We are proud to support military personnel and families in achieving their goals of homeownership.
Renovation Loans
You deserve to have a home that you love living in - we can help you make your dreams possible.
& So Much More
Our team is high-powered by a wide array of loan products to fit the needs of our borrowers.
Kind Words From Our Borrowers
Char was very easy to work with and once he received my information was very detailed on possible scenarios for my specific circumstance. He team was knowledgeable of my situation and created an atmosphere of ease when directing my wife and through the maze of home mortgages.
Johnny L.Conventional Loan 
Great experience with Char Ruppel's Team. They were attentive and responsive through the entire process. They were aggressive in getting me the best APR available while being understanding and catering to my every need. The best Home Loan process I have ever had!
Edward T.VA Loan
Char, Heidi, and the Ruppel Team are fantastic! I have closed on two properties with Char and look forward to future transactions together. I would recommend them for any home buyer.
D. SalinConventional Loan
Char Ruppel and his team made our refinance an easy and stress-free experience. We highly recommend Char if you’re looking for someone who is highly knowledgeable, genuine, and communicates perfectly. Look no further!
Nicola S.Self-Employed
Char and his team took care of all the details and made our home purchase run very smooth. I would, without hesitation, recommend him if you need a loan.
Jerry M.Conventional Loan
I had the pleasure to work with char 10 years ago during the housing crisis. It was difficult to get my first home loan then. I was expecting the same scenario this time around and chose a different mortgage company for some ungodly reason back in June of this year. To this date that lone did not close. While I was in under writing for the first loan, I contacted char and he assured me If I went with his company, My loan would be closed in 3 to 4 weeks. I was concerned but after talking with my wife, we decided to go a head with char. He was not wrong, we got everything that was promised, I started the loan in late September and we are closing this week. Char and his team did an amazing job and couldn’t be happier.
Shawn W.Conventional Loan
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More About Our Founder, Char Ruppel
I was raised in a city named Garden Grove in Orange County, CA. My mother is from Chicago, Illinois and my father was from San Diego. I am one of six children, and I have over 25 family members still residing in Orange County. I attended a very well recognized high school in Orange County, Mater Dei. I received an athletic scholarship and attended the University of Northern Colorado.
I joined the mortgage industry in 2005 after being in Enterprise Technology sales for many years in San Francisco. I have an amazing wife, and we have been married for eleven years. We have two incredible children that are eight and six. I enjoy coaching my children in sports, traveling, and being outdoors. I love helping clients reach their goal of homeownership and becoming their lifelong mortgage advisor.
As a lifelong athlete, I know that teamwork is essential to achieve your goals. With that in mind, I have assembled an amazing team to help homeowners and realtors improve their lives with homeownership.
Our Promise To Our Borrowers
I believe in giving my borrowers the best experience possible. That's why our team is part of Cole Mortgage. We have access to the best products, empowering us to serve you with more strategic options that fit the needs of your long-term goals.
- Start Strategizing with our expert team
My team & I Believe in creating
Better Experiences
You want to work with a loan originator and a team that functions as your expert advisor. Here at the Ruppel Team, you’ll gain the support of experts with decades of combined experience who are passionate about educating you on what’s possible. Once we’ve identified what products will fit your goals best, we partner with you and your real estate team to create a strong and attractive offer to help you win the listing you want.
Let’s connect and see what my team and I can do for you.
We Are Led By Core Values
Education, efficiency, and expertise coincide with one another for success. Here at The Ruppel team, we are driven to learn the products and become experts. This practice empowers us to maximize our efficiency and create consistent, successful outcomes for our clients.
Education
Expertise
